Disha Toshniwal
Delhi
Summary
Results-driven Credit Manager with strengths in credit assessment and risk analysis. Conducts thorough evaluations of client creditworthiness through data analysis and compliance awareness. Collaborates effectively with sales teams to recover NPA accounts and enhance customer relationships, delivering significant contributions to organisational revenue.
Overview
3
3
years of professional experience
Work History
CREDIT MANAGER-Unsecured OD limit
HDFC BANK
Delhi, India
04.2025 - Current
- Expertise in Handling unsecured loan cases with ticket sizes ranging from 5 lakhs to 200 lakhs.
- Detailed analyses on GST and banking to verify the client creditworthiness
- Reviewed new credit requests, verifying client eligibility and assessing credit position to facilitate informed lending decisions.
- Developed understanding of banking products and services through continuous training. about latest banking products and services through ongoing training.
- Conducted credit checks on new clients to assess creditworthiness and set credit limits.
- Analysed customer credit data and financial statements to assess risk levels for extending credit and inform risk management strategies.
- Collaborated with sales to recover NPA accounts and enhance client retention, contributing to overall portfolio health.
Sales Manager-Unsecured-Personal Loan
HDFC BANK
Mumbai, India
07.2023 - 03.2025
- Led sales team towards achieving quarterly targets through strategic planning and effective resource allocation.
- Handle team of 12 BDRs, helped in achieving targets
- Managed sales pipeline efficiently, ensuring consistent flow of business and meeting of sales objectives.
- Always overachieved targets by 25%, through self-sourcing and team contribution
- Successfully closed leads via CRM and ensured timely follow-ups.
- Managed South Bombay branch and relationships with high value customers
Education
Master of Business Administration - FINANCE AND BANKING
BANASTHALI VIDYAPITH
Tonk, RJ01-2023
BACHELOR OF COMMERCE - FINANCE
INDIRA GANDHI UNIVERSITY
Rewari, HR01-2021
Skills
- Problem solving
- Market knowledge
- Data analysis
- Compliance awareness
- Loan documentation
- Portfolio Management
- Software- Laser Soft, Finagg , Lentra and LOS
- Other Softwer-Finnone,AAN,CBCI,ACCUMN
Timeline
CREDIT MANAGER-Unsecured OD limit
HDFC BANK
04.2025 - Current
Sales Manager-Unsecured-Personal Loan
HDFC BANK
07.2023 - 03.2025
Master of Business Administration - FINANCE AND BANKING
BANASTHALI VIDYAPITH
BACHELOR OF COMMERCE - FINANCE
INDIRA GANDHI UNIVERSITY